Monthly Archives: February 2014

Bankruptcy Stops Debt Collectors

Bill collectors are hounding me. My phone is constantly ringing, and the mail carrier keeps delivering more nastygrams. Will bankruptcy stop the calls and letters? As a bankruptcy lawyer, I’ve found that collection harassment is often a major factor in the

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Debtor Education: Your Ticket out of Bankruptcy

People who file for bankruptcy need to complete two educational sessions: pre-filing credit counseling and a post-filing class in personal financial management. In this post, we’ll look at the second session, which is often called “debtor education.” After your bankruptcy

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Does the FDCPA Recognize Oral Debt Disputes?

Under the federal Fair Debt Collection Practices Act (FDCPA), does a consumer have the right to dispute a debt orally? Or must the consumer send a written dispute to the collection agency? A recent decision from the U.S. Court of Appeals for the Fourth

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Credit Counseling: Your Ticket into Bankruptcy

The law requires bankruptcy filers to complete two educational sessions: pre-filing credit counseling and a post-filing class in personal financial management. In this post, we’ll look at the credit counseling requirement. With a few exceptions, everyone who files for bankruptcy

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Can I File for Bankruptcy Again?

With the slow recovery from the Great Recession, many people in and around Indianapolis are interested in bankruptcy as a way to get a fresh start and solve their financial problems. Maybe you’re considering hiring a bankruptcy lawyer to get

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